Getting started is simple.

Whether you’re buying your first home, renewing your mortgage, or refinancing, our process is designed to keep things clear, organized, and stress-free from day one.

We’re here to help you every step of the way.

When you’re ready, choose the option that fits where you are.


Apply Online

Complete our secure online application and we’ll review your information right away.

Book A Call

Prefer to talk it through first? Schedule a call and we’ll walk through your situation together.

Check out what it’s like to work with us.

A clear process — without the overwhelm.

Family Mortgage Planners provided an outstanding experience from start to finish! They were incredibly responsive—it truly felt like a 24/7 service.


Chinonso O.

STEP ONE

Start the conversation

Every mortgage begins with a conversation.

We’ll take time to understand your financial picture, your timeline, and what you’re hoping to accomplish — whether that’s buying your first home, renewing your current mortgage, refinancing, or planning ahead.

You can begin by completing our secure online application or booking a call with us. From there, we’ll outline the next steps and answer any initial questions so you feel confident moving forward.

No pressure. Just clarity.

STEP TWO

Review & Prepare

Once we receive your information, our team carefully reviews your application together and confirms which documents lenders will require.

We request supporting documents upfront — because this critical step helps prevent delays, surprises, and last-minute stress later in the approval process.

You’ll receive clear instructions and access to our secure portal to upload documents safely. Throughout this phase, we stay responsive and available keeping you updated so nothing feels unclear.

Our goal is simple: smooth approvals without unnecessary scrambling.

The team was so proactive – they kept me updated regularly with reminders about what was required at each stage.


Toyitan A.

They’re the best mortgage brokers out there! They really work hard to get the best deals for their customers. They saved me approx. $700-800 per month!


Wanda W.

STEP THREE

Secure Your Mortgage

After reviewing your documents, we present your strongest mortgage product and rate options currently available.

We’ll walk you through the differences in plain language so you understand not just the rate, but the structure and long-term impact of your choice.

From there, we can:

  • Provide a pre-qualification confirmation outlining your maximum purchase price and current rate options
  • Or submit for final approval based on the mortgage option you choose

From your first application to final funding, we’re with you every step of the way, ensuring everything stays organized and on track.

Smooth. Clear. Stress-free.

Our clients know we always have their best interest in mind.

Clients share over and over again that they receive consistent communication, clear explanations and steady support from start to finish.

“Highly Recommend!”

★ ★ ★ ★ ★

Family Mortgage Planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy.

Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend the Family Mortgage Planner team for any of your mortgage needs!

Chase B.

“They were exceptional from start to finish.”

★ ★ ★ ★ ★

Mark, Jonah and Joel really made getting the right financial institution for our mortgage easy and without stress.

They were exceptional from start to finish and I am certainly looking forward to working with them in the nearest future.

Afolabi D.

“I felt very well taken care of and supported.”

★ ★ ★ ★ ★

The whole team at Family Mortgage Planners was fantastic to work with. They answered all of our nitty-gritty questions with helpful explanations and additional information.

As first time home buyers my husband and I felt very well taken care of and supported by Family Mortgage Planners.

Sandra H.

Ready to take the first step?

We’ll help you understand your options, prepare properly, and move forward with confidence.

Start your Application

Have some questions?

In Canada, the minimum down payment depends on the purchase price:

– 5% on the first $500,000
– 10% on the portion between $500,000–$1,000,000
– 20% for homes over $1,000,000

Most first-time buyers in Sherwood Park and Edmonton qualify with as little as 5% down.

Type in your answer It depends on your down payment, debts, and current interest rates, but here’s a rough guideline:


$400K home → ~$75K–$90K household income

$500K home → ~$90K–$110K

Every situation is different. We’ll walk you through your exact numbers so you can plan with confidence.

This depends on your comfort level and long-term plans:

Fixed rate: Stability and predictable payments

Variable rate: Historically lower over time, but can fluctuate

We don’t guess – we run real scenarios so you can clearly see which option fits your situation best.

Lenders look at key ratios like:

– Gross Debt Service (GDS)
– Total Debt Service (TDS)

Online calculators only give rough estimates – we’ll show you your real approval amount based on current lender guidelines so you can move forward with confidence.

A mortgage broker shops multiple lenders on your behalf to find the best mortgage that fits with your current and long term goals – not just one bank’s options.


At Family Mortgage Planners, we also:
– Structure your mortgage strategically
– Help you avoid costly mistakes
– Guide you from application to possession

You’re not just getting a rate – you’re getting a plan.

– Pre-approval: 24–48 hours
– Full approval: Typically 3–7 days

We keep things moving quickly so you can confidently make offers when the right home comes up.

Yes – most buyers in Alberta purchase with less than 20% down.

This does require mortgage insurance, but it allows you to get into the market sooner – often years sooner.

We’ll show you exactly what that looks like so you can decide if it makes sense.

Closing costs typically range from 1.5%–3% of the purchase price and may include:

– Legal fees
– Title insurance
– Property tax adjustments

We’ll give you a clear breakdown upfront so there are no surprises.

Yes – this is one of the most important first steps.
A pre-approval:

– Confirms your budget
– Locks in your rate
– Strengthens your offer

It also gives you peace of mind so you can shop with confidence.

The easiest way is to book a quick call with our team.

Then we can:
– Understand your goals
– Walk you through your options
– Give you a clear, personalized plan

No pressure—just clarity.

Ready to get started?

There are several ways we can get started! Regardless of how you reach out, we’ll quickly get back to you & answer your questions!

Call or text us today!

780-907-7207

Connect with us!

Have a question?

Fill out the form below & we’ll get right back to you.

We’re trusted by thousands of local families.

  • My husband and I bought our first home through the Family Mortgage team. From the get go, Mark and his team provided us with great client service and answered all of our questions. As soon as we locked in on a home they were immediately on it and helped us... read more close the deal within a week. They answered our calls after working hours and reassured us that we would close the deal. I couldn’t be happier with the service we got. Moreover, they continuously worked hard to get us the lowest rates possible. I highly recommend the Family Mortgage Planner team.

    Priyanka Avatar Priyanka
    January 14, 2024

    Family mortgage planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy. Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend... read more the Family Mortgage Planner team for any of your mortgage needs!

    Chase Buhler Avatar Chase B.
    June 14, 2023

    My mortgage process was fast and seamless. I was able to complete everything online and my broker,Joel, kept me updated throughout the process. I would definitely recommend the Family Mortgage Planners if you are looking for efficient and excellent service.

    Taiwo Adekunle Avatar Taiwo A.
    March 1, 2022
  • I’ve used Family Mortgage Planners several times now, and have recommended them to friends who have also utilized their services. They’re conscientious, friendly approach to what can be intimidating subjects is second to none, and what I appreciate most. Their ability to get great rates doesn’t hurt either. I will... read more continue to emphatically recommend them, as well as use their services personally in the future.

    Robert Marsh Avatar Robert M.
    November 1, 2022

    Excellent and convenient service! Their website makes uploading the necessary documents safe and easy. They are very responsive and work efficiently. My financing was the last thing I felt I needed to worry about in the purchase of my first home. Going with family mortgage planners for my mortgage really... read more helped relieve stress and reassure that I was getting a competitive rate in the current market.

    Cormack Chapdelaine Avatar Cormack C.
    April 22, 2022

    Jonah walked us through the whole process and we ended up exactly where we needed to be. Both him and Mark are quick to respond and help out. Plus you can get everything setup from where ever you are.

    Jeremy Teeuwsen Avatar Jeremy T.
    November 15, 2025
  • Excellent service from the first conversation to the last. Very responsive and helpful. I had no worries trusting them with my complex financing requirements. I Highly recommend Their services to anyone looking for a mortgage.

    Johnston Clark Avatar Johnston C.
    April 22, 2022

    Mark and his team will make sure you have an amazing experience from start to finish!

    Chris Kolinski Avatar Chris K.
    May 10, 2024

    Highly recommend. I refer all my real estate clients to them as well as my own personal mortgage!

    Elidio Afonso Avatar Elidio A.
    January 1, 2023
  • Mark helped me and my girlfriend obtain financing for our first house. Mark got in touch with us very quickly and was professional and easy to talk to! He answered all of our questions and was able to secure us a great Morgage in short order. It was a great... read more stress relief that he was so quick to reply to our questions and worries and was very calming as he help us through the process!

    Victor Kuefler Avatar Victor K.
    March 1, 2021

    Had many questions, and all our questions were answered promptly and without hesitation. We managed to get a great rate and felt cared for the entire process. Will be using again with future purchases!!

    Garett Ferguson Avatar Garett F.
    November 1, 2022

    My partner and I were first home byers and Family Mortgage Planners team (Joel, Mark and Jonah) was amazing with us! They answered all our questions no matter small or big, and ensured that we got the best experience and a piece of mind. Now we are a proud home... read more owners and so glad that we had a fanatic team in place to support us.

    Liudmila Sokolyanskaya Avatar Liudmila S.
    April 10, 2024
  • I met Mark 12 years ago when he helped me purchase my first home with my wife. It went perfectly. Over the years we kept in contact for brief moments, he always treated me with respect and made me feel he is keeping me up to date with relevant... read more information regarding housing markets etc. I recently was in a position to purchase another home. My first call is to Mark, and now his children Jonah and Joel. They are the best to deal with, they understand Blue Collar Albertans and they will go the extra mile to ensure to get you what you want. The best quality I find is their honesty and integrity in their values, it was like talking to a good friend who just wants the best for you. Once again they proved that they are the best of the best in Alberta. Thank you to the Kostelyk’s and their entire firm and team!!

    Stephan Hoess Avatar Stephan H.
    June 10, 2024

    The team at Family Mortgage Planners are exceptional. They got us a great rate on our house when we first purchased back in 2015, and got us an even better rate when we refinanced in 2020. They are super easy to communicate with and are very helpful at answering any... read more questions or concerns. We will continue to use them for our mortgage needs and I drop their name to all of my friends who are looking for mortgages.

    Beau Danger Avatar Beau D.
    March 1, 2021

    The Family Mortgage Planners were exceptional! They helped us renew our mortgage & kept us upto date on the changing rates. They made sure they put us with a lender that best fit our needs. I would highly recommend Mark, Jonah or Joel to help with any future mortgage.

    Marci Hutchings Avatar Marci H.
    May 10, 2024
  • Excellent service and knowledge from all of the gentleman at Family Mortgage. Very knowledgeable regarding self employed options.

    Erin Matton Avatar Erin M.
    April 16, 2022

    The team at family mortgage was always available to answer questions and offered support to us every step of the way. After being turned down by our long term bank, we felt incredibly discouraged, but family mortgage was able to not only obtain our financing to purchase our forever home,... read more they also got us an incredible interest rate! I would highly recommend them to anyone going through the home buying experience!

    Elise Schultz Avatar Elise S.
    February 26, 2021

    It was time to renew my mortgage and I went to Joel Kostelyk at Family Mortgage Planners. He got on it right away and within a short time period had a good offer for me. The process was straight forward and efficient, and I found everyone at Family Mortgage Planners... read more a pleasure to work with. Thank you for your help at a time that can be challenging; you made it easy. If you're needing to get or renew a mortgage I recommend you give them a call. Caroline

    Caroline Hendley Avatar Caroline H.
    August 2, 2022
  • Mark and Joel were very easy to work with, and always attentive too all of our questions. Both are experienced brokers and had all the answers, and nothing was a surprise to them. Thanks for the all help!

    Calvin Van Laar Avatar Calvin V.
    August 16, 2021

    Awesome group to deal with. Easy to understand their advice. Would definitely recommend to my friends and family. Thanks again for all your help.

    Jim Forcade Avatar Jim F.
    September 14, 2023

    Recommended to me by a couple of friends. What I found was great client care. The team at Family Mortgage Planners provided reliable and quick service. From beginning to end, there was no delay in answering our questions online or by phone, even afterhours. They provided clear direction, information, and... read more document requirements. We were extremely happy and thankful with the rate they found for us and how fast they were able to lock us in before a potential increase.

    Bart Seres Avatar Bart S.
    October 14, 2023
  • Very helpful mortgage brokers! They will answer all your questions and will help you with your application from start to finish. Thanks guys!!

    Tricia Jamie Morales Avatar Tricia J.
    November 1, 2022

    They were very helpful and found us a much better rate than the banks were willing to give.

    Casey Germain Avatar Casey G.
    October 14, 2023

    My mortgage process was fast and seamless. I was able to complete everything online and my broker,Joel, kept me updated throughout the process. I would definitely recommend the Family Mortgage Planners if you are looking for efficient and excellent service.

    taiwo ade Avatar taiwo a.
    April 7, 2021
  • This is not the first time that I have used this company for my mortgage. Worked with Mark before, this time Joel was my advisor. Somehow they can always get better rates than other companies. I was very happy with Joel and all his requests to complete my appllication. There... read more was no “after hours” for calls or emails. Always respectful and pleasant. If you need the best in mortgage business the Family Mortgage Planners are hard to beat. Was a pleasure to do business with them.

    wojciech godlewski Avatar wojciech g.
    March 25, 2025

    Family Mortgage Planners made the process of renewing our mortgage hassle-free. They found us the best deal and kept us informed throughout the process. I highly recommend them!

    Jean Harsch Avatar Jean H.
    October 2, 2025

    For the first time purchasing our home, Family Mortgage Team Planners made the process seamless and stress-free. We will undoubtedly seek their assistance again in the future. Highly recommended!

    angel nillo Avatar angel n.
    October 2, 2025
  • I purchased my home a couple months ago and used the family mortgage planners to help secure financing. The process was so smooth and they were very patient with a first time home buyer! Mark, Jonah & Joel were all very kind and made sure I was well informed... read more during the whole process. Will definitely use on my next purchase and renewal!

    Sam Hemming Avatar Sam H.
    September 14, 2023

    Fantastic experience, bank said no as I am not working but as I have RIF income and rental income they were able to get us into our new home with 1.94% 4 yr fixed. Quick to reply to any questions. Highly recommend!

    AlanCarolyn Ritter Avatar AlanCarolyn R.
    April 9, 2021

    I recently purchased my first house, and I was lucky enough to find Joel with the Family Mortgage Planners Team. He was extremely professional and exceptionally fast in answering all of my questions thoroughly and always willing explain things in terms I could understand. Very good communicator. Within just hours... read more of getting in touch with Joel, I was pre-approved and receiving dozens of current interest rate quotes from the best lenders in the country. He was always just a phone call or email away when I had any sort of issue or new question. Joel took great care in staying on top of what was required by the lender or lawyer during the whole process. And I knew I didn’t have to worry about a thing. Thanks again, Joel.

    Jonah W Avatar Jonah W.
    March 1, 2022